Domiciliación bancaria: Paying by direct debit

What does it mean?

Domiciliación bancaria authorises a payment to be collected from your bank account. A mandate may cover a single collection or recurring collections.

Stopping a bank collection does not necessarily end the underlying contract or debt.

An everyday example

Changing banks is a prompt to check each regular bill, not assume every mandate has moved.

What to do next

1. Check the company, account and payment authorisation before agreeing.
2. Record the expected collection dates and keep enough funds available.
3. Review statements for unfamiliar or incorrect collections.
4. If you want to stop payments, contact both the bank and the supplier about their separate processes.

A useful question to ask

Does this authorise one collection or an ongoing series of payments?

Check the official guidance

Banco de España: direct debits

Sources checked on 8 September 2026. These explanations and preparation prompts are introductory, not complete procedural instructions or individual legal, tax or medical advice. Confirm current requirements with the responsible authority or qualified professional before acting.

Related words

• Justificante de pago: Proof that a payment was made
• Plazo: A time limit or deadline